Trucking & Motor Carrier Insurance Readiness
Trucking and Motor Carrier Insurance, Organized Before the Renewal
We help owner-operators, fleets, and for-hire carriers assemble the unit schedules, driver records, filings, and loss history a licensed insurance professional will need — so the review is complete the first time.
Office hours: Mon–Thu 9:00 AM – 5:00 PM | Fri 9:00 AM – 12:00 PM
Request a Consultation
Start with a quick intake
There is no cost or obligation. A Candor representative will follow up.
Trucking insurance is built around the unit schedule, the drivers and the authority you operate under. When a power unit is sold, a driver is added or a new commodity is hauled and the file is not updated, the policy and the operation drift apart, and that gap shows up at renewal or after a claim.
Whether you are an owner-operator with one truck or a fleet of twenty, a complete file lets a licensed producer present your operation accurately to carriers and make sure required filings are in place with the FMCSA and your state.
How we help
Readiness first - placement by licensed professionals
We help you organize what you have and understand what may be needed. Coverage advice and policy placement are handled by licensed insurance professionals.
Who we help
- Owner-operators running one to three power units
- Small and mid-size fleets
- For-hire and private carriers
- Box truck, last-mile, and final-mile delivery operations
- Dump truck and construction hauling operations
- Courier and delivery contractors
- Carriers adding units, drivers, or operating radius
Common situations
- The unit schedule on file no longer matches the equipment actually in service
- Drivers have been added or removed without the roster being updated
- Radius of operation or hauled commodities have changed since the last renewal
- A shipper or broker is requesting cargo limits or certificate language the carrier cannot immediately confirm
- FMCSA filings and authority status have not been reconciled against the insurance file
- Loss runs have never been requested or organized
- Renewal dates and filing deadlines are tracked in more than one place, or not at all
Coverage
Coverages a producer commonly reviews
Every operation is different. These are the coverages typically discussed for this kind of risk; a licensed producer will recommend what fits yours.
Primary auto liability
Required for operating authority. For-hire carriers of general freight in vehicles over 10,001 lbs must carry at least $750,000 under federal rules; higher minimums apply to oil and many hazardous materials.
Motor truck cargo
Covers freight you haul. Shippers and brokers often require specific limits, commonly $100,000 or more.
Physical damage
Collision and comprehensive coverage for your tractors, trucks and trailers, based on stated values.
Non-trucking liability / bobtail
For leased owner-operators, covers liability when the truck is used outside of dispatch.
Trailer interchange
Covers non-owned trailers in your care under an interchange agreement.
General liability and workers' compensation
Premises and operations exposures, and required coverage for employee drivers and staff.
Before you call
What shapes your coverage
Filings
For-hire interstate carriers need proof of liability coverage on file with the FMCSA, typically a BMC-91 or BMC-91X filed by the insurer, plus the MCS-90 endorsement on the policy. A lapse can lead the FMCSA to revoke authority, so filings should be checked whenever a policy changes.
Drivers
Carriers look closely at driver age, CDL experience and motor vehicle records. A current roster with MVRs is one of the most important documents in the file.
Radius and commodities
Local, intermediate and long-haul operations are rated differently, as are commodities such as building materials, refrigerated goods, autos or hazardous materials. Changes since the last renewal should be reported.
Safety record
Underwriters review FMCSA safety data, inspections and crash history. Written safety programs, dash cams and telematics can widen carrier options.
Get Ready
Documents we help you gather
How It Works
A clear path from inquiry to coverage
Tell us about your situation
Share the basics through the short intake form.
We organize the details
We help assemble the documents a licensed professional will need.
Connect with a producer
A licensed insurance professional reviews your needs and handles placement.
Ongoing support
We help keep certificates and renewals organized over time.
Common Questions
Frequently asked questions
How much liability insurance does a trucking company need?
Federal minimums for for-hire interstate carriers of general freight in vehicles over 10,001 lbs are $750,000, with higher minimums for oil and many hazardous materials. Shippers, brokers and lenders often require $1,000,000 or more.
What is a BMC-91 filing?
A form your insurer files with the FMCSA to prove you carry the required liability coverage for your operating authority. If the policy cancels, the filing is cancelled too, which can put your authority at risk.
What is the MCS-90 endorsement?
A federally required endorsement that guarantees payment to the public for certain claims, up to the federal minimum, even when the policy might not otherwise apply.
Does cargo insurance cover everything I haul?
Not always. Cargo policies can exclude or limit certain commodities, unattended vehicles or refrigeration breakdown. List every commodity you haul so coverage can be checked against it.
What do I need for a trucking insurance quote?
Typically your DOT and MC numbers, a unit schedule with VINs and values, a driver list with license details and MVRs, commodities and radius, three to five years of loss runs, and any shipper or broker requirements.
Related programs
Other Candor programs
Talk It Through
Prefer to talk it through?
Speak with Candor Insurance Brokerage Inc today.